FHA Home Purchase Programs

The most important step
in purchasing a new home is
to get a pre-approval
letter for a home
loan. The peace of mind that
comes with knowing that your
mortgage loan and credit report
have been approved will allow
you to shop for your new home
with confidence. And when you
find a home and are ready to
make an offer the fact that
you have already been pre-approved
for your loan amount will give
the seller confidence in you
as a buyer.

What Type of FHA programs
work for you ?

Fixed Rate Mortgages
(Section 203b)Through this
program, HUD's Federal
Housing Administration
(FHA) insures mortgages
made by qualified lenders
to people purchasing
or refinancing a home
of their own.

Adjustable Rate Mortgages
(Section 251)

This
insures home purchase
or refinancing loans
with interest rates
that may increase or
decrease over time,
enabling consumers to
purchase or refinance
their home at a lower
initial interest rate

Graduated Payment
Mortgages (Section 245)

Enables
a household with a limited
income that is expected
to rise to buy a home
sooner by making mortgage
payments that start
small and increase gradually
over time.

Growing Equity Mortgages
(Section 245a)
Enables a household
with a limited income
that is expected to
rise to buy a home sooner
by making mortgage payments
that start small and
increase gradually over
time. The increased
payments are applied
to reduce the principal
owed on the mortgage
and thus shorten the
mortgage term.

Energy Efficient Mortgages
Energy
Efficient Mortgages
Program (EEM) helps
homebuyers or homeowners
save money on utility
bills by enabling them
to finance the cost
of adding energy-efficiency
features to new or existing
housing as part of their
FHA-insured home purchase
or refinancing mortgage

Mortgages for Condominium
Units (Section 234c)
This
program insures the
loan for a person who
purchases a unit in
a condominium building

FHA Loan Information

The FHA does
not lend money. The FHA
(Federal Housing Administration)
is part of HUD &
backs individual Approved
Lenders.

Note:
We are not affiliated with the
Federal Housing Administration,
the Department of Housing and
Urban Development, or any other
government agency. We are an
FHA Educational Resource.

Our goal is to help you
find the best FHA Approved
Lender who can help you
secure home financing.

When you
fill in our short application
we will provide your information
to one, (and only one!) FHA Approved Lender
who can help you based upon
many factors, including your
Credit Score, your
State Location, and the
Type of Loan you apply
for

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provide any loans, loan modifications
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news, content and directory information
relative to mortgages and loans. We
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of information and/or interest rates
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